Zelle®
Send money to friends, family and other people you trust,
regardless
of where they bank.
This is how money moves.®
Zelle® is a fast, secure and easy way to send money in minutes1 to
friends, family and others you trust, right from Digital Banking. Zelle® makes it easy to
send money to, or receive money from, people you trust – no matter where they bank.
Send money the way it was meant to be sent.
Send money directly from your bank account to theirs - typically in minutes.1
Send money or receive money right from your BFSFCU Digital Banking App.
Send money with just a few taps using just an email address or U.S. mobile phone number.
Find
Zelle® inside of Digital Banking.
When you Log in, you'll go to your menu. Go to “Transfers &
Payments”, select "Send Money with Zelle®". Then, enroll with your
U.S. mobile number or email address to get started.
Send.
Select someone from your mobile device’s contacts (or add a trusted
recipient’s email address or U.S. mobile phone number), add the amount you’d like to send
and an optional memo, review, then hit “Send.”
Request.
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you'd like to request, include an optional note, review and hit “Request”.2
Split.
Zelle® makes it easy to quickly split the cost of the bill with a
built-in calculator. Just tap the 'split' button, select the people in your
group and enter the total amount you want to split. Zelle® sends a request to
everyone for their share. (If your friend isn't enrolled yet, you can only send a
request using their email address.)
1 To send or receive money with Zelle®, both parties must have an
eligible checking or savings account. Transactions between enrolled users typically occur in
minutes.
2 Payment requests can only be sent to enrolled Zelle®
users.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Zelle® Frequently
Asked Questions
What is Zelle®?
Zelle® is a convenient way to send, receive, and request money with friends, family and others you trust through your bank or credit union’s mobile app or online banking. All you need is your recipient’s enrolled email address or U.S. mobile number, and money will be available to use in minutes. Your account information and activity stay private. Zelle® is currently live in more than 2,300 Financial Institutions, so you can send money to friends and family even if they don’t bank at BankFund.1
How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into the BFSFCU Digital Banking app, select “Transfers & Payments” then “Send Money with Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to get started.
To send money using Zelle®, simply select someone from
your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile
number), add the amount you’d like to send and an optional note, review, then hit “Send.” The
recipient will receive an email or text message notification via the method they used to enroll
with Zelle®. Money is available to your recipient in minutes if they are already
enrolled with Zelle®.
To request money using Zelle®, choose “Request,” enter
their enrolled email address, U.S. mobile number or
Zelle® tag, confirm the recipient is correct and tap “Request.”
To receive money, just share your enrolled email address or U.S.
mobile number with a friend and ask them to send you money with Zelle®. If you have
already enrolled with Zelle®, you do not need to take any further action. The money
will be sent directly into your BankFund account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select BankFund.
- Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
Is my information secure?
Keeping your money and information secure is a top priority for BankFund. When you use Zelle® within our Digital Banking app, your information is protected with the same technology we use to keep your BankFund account safe.
Who can I send money to with Zelle®?
Zelle® is a great way to send money to family, friends,
and people you are familiar with such as your personal trainer, babysitter or
neighbor.1
Since money is sent directly from your BankFund account to another
person’s bank account within minutes1, Zelle® should only be used to send
money to friends, family and others you trust.
If you don’t know the person or aren’t
sure you will get what you paid for (for example, items bought from an online bidding or sales
site), you should not use Zelle®. These transactions are potentially high risk (just
like sending cash to a person you don’t know is high risk).
Can I pay a small business with
Zelle®?
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from the BFSFCU mobile app using just their enrolled email address, U.S. mobile number, or Zelle® tag.
Does BankFund or Zelle®
offer purchase protection?
Neither BankFund nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
I believe I’ve been a victim of a scam.
Who should I contact?
Please contact our customer support team here. Qualifying imposter scams may be eligible for reimbursement.
Can I use Zelle®
internationally?
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
Can I reverse or cancel a
payment?
No, Zelle® payments cannot be reversed.
You can
only cancel a payment if the person you sent money to hasn’t yet enrolled with
Zelle®. To check whether the payment is still pending because the recipient hasn’t
yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then
select “Cancel This Payment.” If you do not see this option available, please contact our customer support team for assistance with
canceling the pending payment.
If the person you sent money to has already enrolled with
Zelle® through their bank or credit union’s mobile app, the money is sent directly to
their bank account and cannot be canceled. This is why it’s important to only send money to
people you know and trust, and always ensure you’ve used the correct email address or U.S.
mobile number when sending money.
If you sent money to the wrong person, please
immediately contact our customer support team at (202)-212-6400 to determine what options are
available.
Are there any fees to send money using
Zelle®?
BankFund does not charge fees to send or receive money with
Zelle®, but there is a $20 stop payment fee to cancel a Zelle® transaction
that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll
with Zelle® within 14 days, the payment will naturally expire, the funds will be
returned to your account and no fees will be assessed.
Your mobile carrier’s messaging
and data rates may apply.
Are there any limits for sending and
receiving money with Zelle®?
The amount of money you can send, as well as the frequency, is set by
each participating financial institution. To determine BankFund's send limits, contact our customer service.
At BankFund, there are
no limits to the amount of money you can receive with Zelle®. However, remember that
the person sending you money will most likely have limits set by their own financial institution
on the amount of money they can send you.
What if I want to send money to someone
whose bank or credit union doesn’t offer Zelle®?
As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle® at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
I have scanned a Zelle® QR
code, but it isn’t working.
The Zelle® QR code feature is currently not available at BankFund. The ability to use Zelle® QR code will be available soon.